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Farmers Bank, The

Greensboro, GA · Cert 5709 · Putnam-Greene Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Bank, The

Greensboro, GA · Cert 5709 · Putnam-Greene Financial Corp.

State charter, non-member · FDIC · 3 affiliate banks · 1 branch (7 in holding)

Q2 2026

$148.3MAssets
$96.3MLoans
$132.3MDeposits
$15.2MEquity
Loan mix
94%RE $91.3M3%C&I $3.0M3%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $119.2M10%Noninterest $13.1MQ2 2025Q2 2026

NIM

4.77%Q2 ’245.28%Q2 ’255.74%Q2 ’26+58%+32%

Non-interest income vs. expense

1.56%Q2 ’241.69%Q2 ’252.37%Q2 ’26+11%+44%

Executive Summary

  • Earnings: ROA of 1.04%, up 15 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.21%, up 152 bps from a year ago.
  • Funding: loans stand at 72.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+92 bps YoY

Efficiency Ratio (YTD, annualized)

60.79%+420 bps YoY

Tier 1 Leverage Ratio

11.21%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.84%0.85%0.95%1.04%+15 bps
Return on Equity12.58%11.25%11.22%11.71%11.89%-69 bps
Net Interest Margin2.87%3.03%3.14%3.34%3.79%+92 bps
Efficiency Ratio56.59%57.59%59.21%61.36%60.79%+420 bps
Non-Interest Burden1.57%1.69%1.81%2.00%2.26%+69 bps
Growth
Asset Growth (YoY)14.82%12.94%1.91%2.96%-13.26%-2,809 bps
Loan Growth (YoY)26.29%16.72%5.79%4.70%-2.64%-2,893 bps
Deposit Growth (YoY)14.82%17.49%5.30%1.52%-16.15%-3,097 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.70%0.74%1.16%0.05%+5 bps
Net Charge-Offs / Loans0.11%0.07%0.06%0.00%0.00%-11 bps
Allowance / Loans1.10%1.24%1.30%1.29%1.36%+27 bps
Allowance Coverage of NPLs1083.0x1.8x1.8x1.1x25.2x-1057.8x
Capital
Tier 1 Leverage Ratio9.69%10.22%10.66%9.81%11.21%+152 bps
Total Risk-Based Capital16.92%17.49%18.57%18.09%19.50%+258 bps
Equity / Assets7.45%8.96%7.88%8.36%10.25%+280 bps
Liquidity & Funding
Loans / Deposits62.67%70.86%56.15%60.49%72.77%+1,010 bps
Liquid Assets / Assets10.83%6.70%9.38%12.12%7.16%-367 bps
CRE / Total Capitaln/a329%303%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Bank, The

Greensboro, GA · Cert 5709 · Peer group: banks under $1B in assets in GA (n=58-59) · Putnam-Greene Financial Corp.

State charter, non-member · FDIC · 3 affiliate banks · 1 branch (7 in holding)

Q2 2026

$148.3MAssets
$96.3MLoans
$132.3MDeposits
$15.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
  • Widest gap: net interest margin trails 75% of banks under $1B in assets in GA (rank 44 of 59).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 40 of 59

Net Interest Margin

3.79%

Rank 44 of 59

Efficiency Ratio

60.79%

Rank 32 of 59

Equity / Assets

10.25%

Rank 35 of 59

Non-interest income vs. expense

$0.2M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.7M · efficiency ratio beats 47% of banks under $1B in assets in GA
Bank 60.79%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.19%0.94%1.46%1.76%Beats 32%40 / 59
Return on Equity11.60%7.92%11.60%15.10%Beats 49%30 / 59
Net Interest Margin3.79%3.66%4.24%4.75%Beats 25%44 / 59
Efficiency Ratio60.79%51.87%60.25%70.24%Beats 47%32 / 59
Asset Quality
Nonperforming Loans / Loans0.05%0.10%0.36%0.89%Beats 84%10 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%10 / 58
Capital
Tier 1 Capital Ratio18.25%11.93%15.65%21.05%Beats 61%23 / 59
Total Risk-Based Capital Ratio19.50%12.05%15.77%22.26%Beats 61%23 / 59
Equity / Assets10.25%9.10%11.51%14.32%Beats 41%35 / 59
Liquidity & Funding
Loans / Deposits72.77%59.62%72.81%85.44%48th pctl30 / 58
Loans / Assets64.93%49.55%64.39%73.73%53rd pctl28 / 59
Brokered Deposits / Depositsn/aNot reported for this institution